Known Fare
Known fare transactions are where the transaction amount is known and authorization for the full amount is requested at the time of travel.
API version
Mastercard Gateway supports Known Fare transactions from version 66 and later.
transaction.transit.knownFare.type parameters
The transaction.transit.knownFare.type
parameter is required for known fare transactions.
This table describes the transaction.transit.knownFare.type
parameters and values.
WS API Field | Value | Supported operation | Supported version |
---|---|---|---|
transaction.transit.knownFare.type |
DEBT_RECOVERY_MERCHANT_INITIATED |
Authorization, Capture, Pay | Version 66 and later |
DEBT_RECOVERY_PAYER_INITIATED |
|||
DEBT_RECOVERY_TAP_INITIATED |
|||
FARE_REAL_TIME_AUTHORIZATION |
|||
FARE_DEFERRED_AUTHORIZATION |
Authorization, Capture | Version 68 and later | |
FIRST_RIDE_RISK |
Standalone capture | Version 66 and later | |
transaction.transit.knownFare.transportationMode |
For example,"TRAIN" |
Authorization, Capture, Pay | Version 100 and later |
posTerminal parameters
This table describes the most common posTerminal parameters.
WS API Field | Value |
---|---|
cardPresenceCapability | CARD_PRESENT |
Attended | UNATTENDED |
cardholderActivated | NOT_CARDHOLDER_ACTIVATED |
Location | MERCHANT_TERMINAL_ON_PREMISES |
Lane | Use a unique Terminal ID for the device.
Do not use a fixed Terminal ID value across the estate. |
inputCapability | CONTACTLESS_CHIP |
pinEntry capability | PIN_NOT_SUPPORTED |
panEntryMode | CONTACTLESS |
onlineReasonCode | N/A |
Different values maybe required, depending on the specific implementation.
Examples of Known fare transactions
Real time authorization request
{ "apiOperation": "AUTHORIZE", "order": { "amount": 100, "currency": "AUD", "certainty": "ESTIMATED" }, "sourceOfFunds": { "provided": { "card": { "emvRequest": { "5A": "5555555555554444", "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "expiry": { "month": "01", "year": "39" }, "number": "5555555555554444" } }, "type": "CARD" }, "transaction": { "source": "CARD_PRESENT", "transit": { "knownFare": { "type": "FARE_REAL_TIME_AUTHORIZATION", "transportationMode": "TRAIN" } } }, "posTerminal": { "attended": "UNATTENDED", "location": "MERCHANT_TERMINAL_ON_PREMISES", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "panEntryMode": "CONTACTLESS", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "pinEntryCapability": "PIN_NOT_SUPPORTED" } }
Real time authorization response
{ "authorizationResponse": { "commercialCardIndicator": "3", "date": "0429", "financialNetworkCode": "XYZ", "financialNetworkDate": "2025-04-29", "posData": "1000004000300", "posEntryMode": "072", "processingCode": "003000", "responseCode": "00", "stan": "100108", "time": "131314", "transactionIdentifier": "111315" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "certainty": "ESTIMATED", "chargeback": { "amount": 0, "currency": "AUD" }, "creationTime": "2025-04-29T13:13:14.590Z", "currency": "AUD", "id": "AKS_578235770", "lastUpdatedTime": "2025-04-29T13:13:15.268Z", "merchantAmount": 100.00, "merchantCategoryCode": "4111", "merchantCurrency": "AUD", "status": "AUTHORIZED", "totalAuthorizedAmount": 100.00, "totalCapturedAmount": 0.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "posTerminal": { "address": { "country": "GBR" }, "attended": "UNATTENDED", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "location": "MERCHANT_TERMINAL_ON_PREMISES", "panEntryMode": "CONTACTLESS", "pinEntryCapability": "PIN_NOT_SUPPORTED", "serialNumber": "0123ABCD" }, "response": { "acquirerCode": "00", "acquirerMessage": "Approved", "gatewayCode": "APPROVED", "gatewayRecommendation": "NO_ACTION" }, "result": "SUCCESS", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "emvRequest": { "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "emvResponse": { "71": "0102030405060708090A", "91": "2263BCC1C2D9C4420013" }, "expiry": { "month": "1", "year": "39" }, "fundingMethod": "DEBIT", "number": "555555xxxxxx4444", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2025-04-29T13:13:15.268Z", "timeOfRecord": "2025-04-29T13:13:14.659Z", "transaction": { "acquirer": { "batch": 20250430, "date": "0430", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "transactionId": "111315" }, "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "authorizationCode": "111315", "currency": "AUD", "id": "AKS_115194490", "receipt": "511913100108", "source": "CARD_PRESENT", "stan": "100108", "terminal": "0001", "transit": { "knownFare": { "transportationMode": "TRAIN", "type": "FARE_REAL_TIME_AUTHORIZATION" } }, "type": "AUTHORIZATION" }, "version": "100" }
Deferred authorization request
{ "apiOperation": "AUTHORIZE", "order": { "amount": 100, "currency": "AUD" }, "sourceOfFunds": { "provided": { "card": { "emvRequest": { "5A": 5555555555554444, "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "expiry": { "month": "12", "year": "24" }, "number": 5555555555554444 } }, "type": "CARD" }, "transaction": { "source": "CARD_PRESENT", "transit": { "knownFare": { "type": "FARE_DEFERRED_AUTHORIZATION", "transportationMode": "TRAIN" } } }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "location": "MERCHANT_TERMINAL_ON_PREMISES", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "panEntryMode": "CONTACTLESS", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "pinEntryCapability": "PIN_NOT_SUPPORTED" } }
Deferred authorization response
{ "authorizationResponse": { "commercialCardIndicator": "1", "date": "0425", "financialNetworkCode": "MCC", "financialNetworkDate": "2025-04-25", "posData": "1000004000300", "posEntryMode": "072", "processingCode": "003000", "responseCode": "00", "stan": "29546", "time": "053359", "transactionIdentifier": "000026" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "certainty": "ESTIMATED", "chargeback": { "amount": 0, "currency": "AUD" }, "creationTime": "2025-04-25T05:33:58.858Z", "currency": "AUD", "id": "AKS_858249464", "lastUpdatedTime": "2025-04-25T05:34:01.201Z", "merchantAmount": 100.00, "merchantCategoryCode": "4111", "merchantCurrency": "AUD", "status": "AUTHORIZED", "totalAuthorizedAmount": 100.00, "totalCapturedAmount": 0.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "location": "MERCHANT_TERMINAL_ON_PREMISES", "panEntryMode": "CONTACTLESS", "pinEntryCapability": "PIN_NOT_SUPPORTED", "serialNumber": "0123ABCD" }, "response": { "acquirerCode": "00", "acquirerMessage": "Approved", "gatewayCode": "APPROVED", "gatewayRecommendation": "NO_ACTION" }, "result": "SUCCESS", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "emvRequest": { "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "expiry": { "month": "12", "year": "24" }, "fundingMethod": "DEBIT", "number": "555555xxxxxx4444", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2025-04-25T05:34:01.201Z", "timeOfRecord": "2025-04-25T05:33:58.914Z", "transaction": { "acquirer": { "batch": 20250425, "date": "0425", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "transactionId": "000026" }, "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "authorizationCode": "383620", "currency": "AUD", "id": "AKS_944618321", "receipt": "511505029546", "source": "CARD_PRESENT", "stan": "29546", "terminal": "0002", "transit": { "knownFare": { "type": "FARE_DEFERRED_AUTHORIZATION", } }, "type": "AUTHORIZATION" }, "version": "100" }
Examples of Merchant initiated debt recovery
Authorization fail request
{ "apiOperation": "AUTHORIZE", "order": { "amount": "11.51", "currency": "AUD", "certainty": "ESTIMATED" }, "sourceOfFunds": { "provided": { "card": { "p2pe": { "cardBin": "512345", "encryptionState": "VALID", "initializationVector": "0000000000000000", "keySerialNumber": "FFFF0000000004100499", "payload": "511129233E8F66D81A78745066539B69585533571D36696EB6F24C63A5937C4BDBB272CAF251AAD491CF483C6A2A1096" }, "emvRequest": { "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" } } }, "type": "CARD" }, "transaction": { "source": "CARD_PRESENT", "transit": { "knownFare": { "type": "FARE_DEFERRED_AUTHORIZATION", "transportationMode": "TRAIN" } } }, "posTerminal": { "attended": "UNATTENDED", "location": "MERCHANT_TERMINAL_ON_PREMISES", "cardholderActivated": "SELF_SERVICE_TERMINAL", "panEntryMode": "CONTACTLESS", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "pinEntryCapability": "PIN_NOT_SUPPORTED" } }
Authorization fail response
{ "authorizationResponse": { "commercialCardIndicator": "3", "date": "0429", "financialNetworkCode": "XYZ", "financialNetworkDate": "2025-04-29", "posData": "1000004002300", "posEntryMode": "072", "processingCode": "003000", "responseCode": "51", "stan": "100104", "time": "055318", "transactionIdentifier": "035318" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 11.51, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "certainty": "ESTIMATED", "chargeback": { "amount": 0, "currency": "AUD" }, "creationTime": "2025-04-29T05:53:17.463Z", "currency": "AUD", "id": "AKS_204610163", "lastUpdatedTime": "2025-04-29T05:53:19.338Z", "merchantAmount": 11.51, "merchantCategoryCode": "4111", "merchantCurrency": "AUD", "status": "FAILED", "totalAuthorizedAmount": 0.00, "totalCapturedAmount": 0.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "posTerminal": { "address": { "country": "GBR" }, "attended": "UNATTENDED", "cardholderActivated": "SELF_SERVICE_TERMINAL", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "location": "MERCHANT_TERMINAL_ON_PREMISES", "panEntryMode": "CONTACTLESS", "pinEntryCapability": "PIN_NOT_SUPPORTED", "serialNumber": "0123ABCD" }, "response": { "acquirerCode": "51", "acquirerMessage": "Not sufficient funds", "gatewayCode": "INSUFFICIENT_FUNDS", "gatewayRecommendation": "RESUBMIT_WITH_ALTERNATIVE_PAYMENT_DETAILS" }, "result": "FAILURE", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "emvRequest": { "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "emvResponse": { "71": "0102030405060708090A", "91": "2263BCC1C2D9C4420013" }, "encryption": "DUKPT", "expiry": { "month": "1", "year": "39" }, "fundingMethod": "DEBIT", "number": "512345xxxxxx0008", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED", "trackDataProvided": true } }, "type": "CARD" }, "timeOfLastUpdate": "2025-04-29T05:53:19.338Z", "timeOfRecord": "2025-04-29T05:53:17.549Z", "transaction": { "acquirer": { "batch": 20250429, "date": "0429", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "transactionId": "035318" }, "amount": 11.51, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "authorizationCode": "035318", "currency": "AUD", "id": "AKS_228033909", "receipt": "511905100104", "source": "CARD_PRESENT", "stan": "100104", "terminal": "0001", "transit": { "knownFare": { "transportationMode": "TRAIN", "type": "FARE_DEFERRED_AUTHORIZATION" } }, "type": "AUTHORIZATION" }, "version": "100" }
Authorization request
{ "apiOperation": "AUTHORIZE", "order": { "currency": "USD", "amount": "27", "certainty": "ESTIMATED" }, "referenceOrderId": "AKS_204610163", "transaction": { "source": "MERCHANT", "transit": { "knownFare": { "type": "DEBT_RECOVERY_MERCHANT_INITIATED", "transportationMode": "TRAIN" } }, "resubmission": true }, "sourceOfFunds": { "type": "CARD" } }
Authorization response
{ "authorizationResponse": { "commercialCardIndicator": "3", "date": "0429", "financialNetworkCode": "XYZ", "financialNetworkDate": "2025-04-29", "posData": "2031104000600", "posEntryMode": "012", "processingCode": "003000", "responseCode": "00", "stan": "101144", "time": "055405", "transactionIdentifier": "035405" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 27.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "certainty": "ESTIMATED", "chargeback": { "amount": 0, "currency": "USD" }, "creationTime": "2025-04-29T05:54:05.178Z", "currency": "USD", "id": "AKS_590473253", "lastUpdatedTime": "2025-04-29T05:54:06.315Z", "merchantAmount": 27.00, "merchantCategoryCode": "4111", "merchantCurrency": "USD", "status": "AUTHORIZED", "totalAuthorizedAmount": 27.00, "totalCapturedAmount": 0.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "referenceOrderId": "AKS_204610163", "response": { "acquirerCode": "00", "acquirerMessage": "Approved", "gatewayCode": "APPROVED", "gatewayRecommendation": "NO_ACTION" }, "result": "SUCCESS", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "expiry": { "month": "1", "year": "39" }, "fundingMethod": "DEBIT", "number": "512345xxxxxx0008", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2025-04-29T05:54:06.315Z", "timeOfRecord": "2025-04-29T05:54:05.304Z", "transaction": { "acquirer": { "batch": 20250429, "date": "0429", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "transactionId": "035405" }, "amount": 27.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "authorizationCode": "035405", "currency": "USD", "id": "AKS_228033909", "receipt": "511905101144", "resubmission": true, "source": "MERCHANT", "stan": "101144", "terminal": "0002", "transit": { "knownFare": { "transportationMode": "TRAIN", "type": "DEBT_RECOVERY_MERCHANT_INITIATED" } }, "type": "AUTHORIZATION" }, "version": "100" }
Capture request
{ "apiOperation": "CAPTURE", "transaction": { "amount": "20", "currency": "USD" } }
Capture response
{ "authorizationResponse": { "commercialCardIndicator": "3", "date": "0429", "financialNetworkCode": "XYZ", "financialNetworkDate": "2025-04-29", "posData": "2031104000600", "posEntryMode": "012", "processingCode": "003000", "responseCode": "00", "stan": "101144", "time": "055405", "transactionIdentifier": "035405" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 27.00, "certainty": "ESTIMATED", "chargeback": { "amount": 0, "currency": "USD" }, "creationTime": "2025-04-29T05:54:05.178Z", "currency": "USD", "id": "AKS_590473253", "lastUpdatedTime": "2025-04-29T05:54:58.189Z", "merchantAmount": 27.00, "merchantCategoryCode": "4111", "merchantCurrency": "USD", "status": "PARTIALLY_CAPTURED", "totalAuthorizedAmount": 27.00, "totalCapturedAmount": 20.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "response": { "acquirerCode": "00", "acquirerMessage": "Approved", "gatewayCode": "APPROVED" }, "result": "SUCCESS", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "expiry": { "month": "1", "year": "39" }, "fundingMethod": "DEBIT", "number": "512345xxxxxx0008", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2025-04-29T05:54:58.189Z", "timeOfRecord": "2025-04-29T05:54:57.168Z", "transaction": { "acquirer": { "batch": 20250429, "date": "0429", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "settlementDate": "2025-04-29", "timeZone": "+1000", "transactionId": "035405" }, "amount": 20.00, "authorizationCode": "035405", "currency": "USD", "id": "AKS_606324650", "receipt": "511905101144", "source": "MERCHANT", "stan": "102184", "terminal": "0001", "transit": { "knownFare": { "transportationMode": "TRAIN", "type": "DEBT_RECOVERY_MERCHANT_INITIATED" } }, "type": "CAPTURE" }, "version": "100" }
Examples of Payer initiated debt recovery
Mail Order Telephone Order (MOTO) request
{ "apiOperation": "AUTHORIZE", "order": { "amount": 100, "currency": "AUD" }, "sourceOfFunds": { "provided": { "card": { "emvRequest": { "5A": 5555555555554444, "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "expiry": { "month": "12", "year": "24" }, "number": 5555555555554444 } }, "type": "CARD" }, "transaction": { "source": "CARD_PRESENT", "transit": { "knownFare": { "type": "DEBT_RECOVERY_PAYER_INITIATED", "transportationMode": "TRAIN" } } }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "location": "MERCHANT_TERMINAL_ON_PREMISES", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "panEntryMode": "CONTACTLESS", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "pinEntryCapability": "PIN_NOT_SUPPORTED" } }
MOTO response
{ "authorizationResponse": { "commercialCardIndicator": "3", "date": "0423", "financialNetworkCode": "XYZ", "financialNetworkDate": "2025-04-23", "posData": "1000004000300", "posEntryMode": "072", "processingCode": "003000", "responseCode": "00", "stan": "210893", "time": "114752", "transactionIdentifier": "094752" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "certainty": "ESTIMATED", "chargeback": { "amount": 0, "currency": "AUD" }, "creationTime": "2025-04-23T11:47:52.130Z", "currency": "AUD", "id": "AKS_729763411", "lastUpdatedTime": "2025-04-23T11:47:52.929Z", "merchantAmount": 100.00, "merchantCategoryCode": "4111", "merchantCurrency": "AUD", "status": "AUTHORIZED", "totalAuthorizedAmount": 100.00, "totalCapturedAmount": 0.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "location": "MERCHANT_TERMINAL_ON_PREMISES", "panEntryMode": "CONTACTLESS", "pinEntryCapability": "PIN_NOT_SUPPORTED", "serialNumber": "0123ABCD" }, "response": { "acquirerCode": "00", "acquirerMessage": "Approved", "gatewayCode": "APPROVED", "gatewayRecommendation": "NO_ACTION" }, "result": "SUCCESS", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "emvRequest": { "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "emvResponse": { "71": "0102030405060708090A", "91": "2263BCC1C2D9C4420013" }, "expiry": { "month": "12", "year": "24" }, "fundingMethod": "DEBIT", "number": "555555xxxxxx4444", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2025-04-23T11:47:52.929Z", "timeOfRecord": "2025-04-23T11:47:52.213Z", "transaction": { "acquirer": { "batch": 20250424, "date": "0424", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "transactionId": "094752" }, "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "authorizationCode": "094752", "currency": "AUD", "id": "AKS_910791484", "receipt": "511311210893", "source": "CARD_PRESENT", "stan": "210893", "terminal": "0002", "transit": { "knownFare": { "transportationMode": "TRAIN", "type": "DEBT_RECOVERY_PAYER_INITIATED" } }, "type": "AUTHORIZATION" }, "version": "100" }
Capture request
{ "apiOperation": "CAPTURE", "transaction": { "amount": "100", "currency": "AUD" } }
Capture response
{ "authorizationResponse": { "commercialCardIndicator": "3", "date": "0423", "financialNetworkCode": "XYZ", "financialNetworkDate": "2025-04-23", "posData": "1000004000300", "posEntryMode": "072", "processingCode": "003000", "responseCode": "00", "stan": "210893", "time": "114752", "transactionIdentifier": "094752" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 100.00, "certainty": "ESTIMATED", "chargeback": { "amount": 0, "currency": "AUD" }, "creationTime": "2025-04-23T11:47:52.130Z", "currency": "AUD", "id": "AKS_729763411", "lastUpdatedTime": "2025-04-23T11:53:39.673Z", "merchantAmount": 100.00, "merchantCategoryCode": "4111", "merchantCurrency": "AUD", "status": "CAPTURED", "totalAuthorizedAmount": 100.00, "totalCapturedAmount": 100.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "location": "MERCHANT_TERMINAL_ON_PREMISES", "panEntryMode": "CONTACTLESS", "pinEntryCapability": "PIN_NOT_SUPPORTED", "serialNumber": "0123ABCD" }, "response": { "acquirerCode": "00", "acquirerMessage": "Approved", "gatewayCode": "APPROVED" }, "result": "SUCCESS", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "expiry": { "month": "12", "year": "24" }, "fundingMethod": "DEBIT", "number": "555555xxxxxx4444", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2025-04-23T11:53:39.673Z", "timeOfRecord": "2025-04-23T11:53:39.176Z", "transaction": { "acquirer": { "batch": 20250424, "date": "0424", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "settlementDate": "2025-04-24", "timeZone": "+1000", "transactionId": "094752" }, "amount": 100.00, "authorizationCode": "094752", "currency": "AUD", "id": "AKS_994403414", "receipt": "511311210893", "source": "CARD_PRESENT", "stan": "211953", "terminal": "0001", "transit": { "knownFare": { "transportationMode": "TRAIN", "type": "DEBT_RECOVERY_PAYER_INITIATED" } }, "type": "CAPTURE" }, "version": "100" }
Examples of Tap initiated debt recovery
Authorization request
{ "apiOperation": "AUTHORIZE", "order": { "amount": 100, "currency": "AUD" }, "sourceOfFunds": { "provided": { "card": { "emvRequest": { "5A": 5555555555554444, "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "expiry": { "month": "01", "year": "39" }, "number": 5555555555554444 } }, "type": "CARD" }, "transaction": { "source": "CARD_PRESENT", "transit": { "knownFare": { "type": "DEBT_RECOVERY_TAP_INITIATED", "transportationMode": "TRAIN" } } }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "location": "MERCHANT_TERMINAL_ON_PREMISES", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "panEntryMode": "CONTACTLESS", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "pinEntryCapability": "PIN_NOT_SUPPORTED" } }
Authorization response
{ "authorizationResponse": { "commercialCardIndicator": "3", "date": "0423", "financialNetworkCode": "XYZ", "financialNetworkDate": "2025-04-23", "posData": "1000004000300", "posEntryMode": "072", "processingCode": "003000", "responseCode": "00", "stan": "182763", "time": "110405", "transactionIdentifier": "090406" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "certainty": "ESTIMATED", "chargeback": { "amount": 0, "currency": "AUD" }, "creationTime": "2025-04-23T11:04:05.146Z", "currency": "AUD", "id": "AKS_405031273", "lastUpdatedTime": "2025-04-23T11:04:07.379Z", "merchantAmount": 100.00, "merchantCategoryCode": "4111", "merchantCurrency": "AUD", "status": "AUTHORIZED", "totalAuthorizedAmount": 100.00, "totalCapturedAmount": 0.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "location": "MERCHANT_TERMINAL_ON_PREMISES", "panEntryMode": "CONTACTLESS", "pinEntryCapability": "PIN_NOT_SUPPORTED", "serialNumber": "0123ABCD" }, "response": { "acquirerCode": "00", "acquirerMessage": "Approved", "gatewayCode": "APPROVED", "gatewayRecommendation": "NO_ACTION" }, "result": "SUCCESS", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "emvRequest": { "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "emvResponse": { "71": "0102030405060708090A", "91": "2263BCC1C2D9C4420013" }, "expiry": { "month": "1", "year": "39" }, "fundingMethod": "DEBIT", "number": "555555xxxxxx4444", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2025-04-23T11:04:07.379Z", "timeOfRecord": "2025-04-23T11:04:05.239Z", "transaction": { "acquirer": { "batch": 20250424, "date": "0424", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "transactionId": "090406" }, "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "authorizationCode": "090406", "currency": "AUD", "id": "AKS_80136581", "receipt": "511311182763", "source": "CARD_PRESENT", "stan": "182763", "terminal": "0001", "transit": { "knownFare": { "transportationMode": "TRAIN", "type": "DEBT_RECOVERY_TAP_INITIATED" } }, "type": "AUTHORIZATION" }, "version": "100" }
Capture request
{ "apiOperation": "CAPTURE", "transaction": { "amount": "100", "currency": "AUD" } }
Capture response
{ "authorizationResponse": { "commercialCardIndicator": "3", "date": "0423", "financialNetworkCode": "XYZ", "financialNetworkDate": "2025-04-23", "posData": "1000004000300", "posEntryMode": "072", "processingCode": "003000", "responseCode": "00", "stan": "182763", "time": "110405", "transactionIdentifier": "090406" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 100.00, "certainty": "ESTIMATED", "chargeback": { "amount": 0, "currency": "AUD" }, "creationTime": "2025-04-23T11:04:05.146Z", "currency": "AUD", "id": "AKS_405031273", "lastUpdatedTime": "2025-04-23T11:10:24.721Z", "merchantAmount": 100.00, "merchantCategoryCode": "4111", "merchantCurrency": "AUD", "status": "CAPTURED", "totalAuthorizedAmount": 100.00, "totalCapturedAmount": 100.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "location": "MERCHANT_TERMINAL_ON_PREMISES", "panEntryMode": "CONTACTLESS", "pinEntryCapability": "PIN_NOT_SUPPORTED", "serialNumber": "0123ABCD" }, "response": { "acquirerCode": "00", "acquirerMessage": "Approved", "gatewayCode": "APPROVED" }, "result": "SUCCESS", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "expiry": { "month": "1", "year": "39" }, "fundingMethod": "DEBIT", "number": "555555xxxxxx4444", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2025-04-23T11:10:24.721Z", "timeOfRecord": "2025-04-23T11:10:24.176Z", "transaction": { "acquirer": { "batch": 20250424, "date": "0424", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "settlementDate": "2025-04-24", "timeZone": "+1000", "transactionId": "090406" }, "amount": 100.00, "authorizationCode": "090406", "currency": "AUD", "id": "AKS_437241296", "receipt": "511311182763", "source": "CARD_PRESENT", "stan": "183783", "terminal": "0001", "transit": { "knownFare": { "transportationMode": "TRAIN", "type": "DEBT_RECOVERY_TAP_INITIATED" } }, "type": "CAPTURE" }, "version": "100" }
Examples of First Ride Risk
Authorization request
{ "apiOperation": "AUTHORIZE", "order": { "amount": 12.51, "currency": "AUD" }, "sourceOfFunds": { "provided": { "card": { "emvRequest": { "5A": 5555555555554444, "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "expiry": { "month": "01", "year": "39" }, "number": 5555555555554444 } }, "type": "CARD" }, "transaction": { "source": "CARD_PRESENT", "transit": { "knownFare": { "type": "FARE_DEFERRED_AUTHORIZATION", "transportationMode": "TRAIN" } } }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "location": "MERCHANT_TERMINAL_ON_PREMISES", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "panEntryMode": "CONTACTLESS", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "pinEntryCapability": "PIN_NOT_SUPPORTED" } }
Authorization response
{ "authorizationResponse": { "commercialCardIndicator": "3", "date": "0429", "financialNetworkCode": "XYZ", "financialNetworkDate": "2025-04-29", "posData": "1000004000300", "posEntryMode": "072", "processingCode": "003000", "responseCode": "51", "stan": "100106", "time": "103605", "transactionIdentifier": "083605" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 12.51, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "certainty": "FINAL", "chargeback": { "amount": 0, "currency": "AUD" }, "creationTime": "2025-04-29T10:36:04.448Z", "currency": "AUD", "id": "AKS_39769452", "lastUpdatedTime": "2025-04-29T10:36:05.293Z", "merchantAmount": 12.51, "merchantCategoryCode": "4111", "merchantCurrency": "AUD", "status": "FAILED", "totalAuthorizedAmount": 0.00, "totalCapturedAmount": 0.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "location": "MERCHANT_TERMINAL_ON_PREMISES", "panEntryMode": "CONTACTLESS", "pinEntryCapability": "PIN_NOT_SUPPORTED", "serialNumber": "0123ABCD" }, "response": { "acquirerCode": "51", "acquirerMessage": "Not sufficient funds", "gatewayCode": "INSUFFICIENT_FUNDS", "gatewayRecommendation": "RESUBMIT_WITH_ALTERNATIVE_PAYMENT_DETAILS" }, "result": "FAILURE", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "emvRequest": { "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "emvResponse": { "71": "0102030405060708090A", "91": "2263BCC1C2D9C4420013" }, "expiry": { "month": "1", "year": "39" }, "fundingMethod": "DEBIT", "number": "555555xxxxxx4444", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2025-04-29T10:36:05.293Z", "timeOfRecord": "2025-04-29T10:36:04.585Z", "transaction": { "acquirer": { "batch": 20250430, "date": "0430", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "transactionId": "083605" }, "amount": 12.51, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "authorizationCode": "083605", "currency": "AUD", "id": "AKS_890314972", "receipt": "511910100106", "source": "CARD_PRESENT", "stan": "100106", "terminal": "0002", "transit": { "knownFare": { "transportationMode": "TRAIN", "type": "FARE_DEFERRED_AUTHORIZATION" } }, "type": "AUTHORIZATION" }, "version": "100" }
Standalone capture request
{ "apiOperation": "CAPTURE", "sourceOfFunds": { "provided": { "card": { "emvRequest": { "5A": 5555555555554444, "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "expiry": { "month": "12", "year": "24" }, "number": 5555555555554444 } }, "type": "CARD" }, "transaction": { "amount": 7, "currency": "USD", "source": "CARD_PRESENT", "transit": { "knownFare": { "type": "FIRST_RIDE_RISK", "transportationMode": "TRAIN" } } }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "location": "MERCHANT_TERMINAL_ON_PREMISES", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "panEntryMode": "CONTACTLESS", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "pinEntryCapability": "PIN_NOT_SUPPORTED" } }
Standalone capture response
{ "authorizationResponse": { "date": "1021", "processingCode": "003000", "responseCode": "00", "stan": "101146" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 7.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "chargeback": { "amount": 0, "currency": "USD" }, "creationTime": "2025-04-29T10:36:16.023Z", "currency": "USD", "id": "AKS_221029935", "lastUpdatedTime": "2025-04-29T10:36:16.695Z", "merchantAmount": 7.00, "merchantCategoryCode": "4111", "merchantCurrency": "USD", "status": "CAPTURED", "totalAuthorizedAmount": 7.00, "totalCapturedAmount": 7.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "location": "MERCHANT_TERMINAL_ON_PREMISES", "panEntryMode": "CONTACTLESS", "pinEntryCapability": "PIN_NOT_SUPPORTED", "serialNumber": "0123ABCD" }, "response": { "acquirerCode": "00", "acquirerMessage": "Approved", "gatewayCode": "APPROVED" }, "result": "SUCCESS", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "emvRequest": { "5F2A": "826", "82": "0000", "84": "010101010101", "95": "0000000000", "9A": "161021", "9B": "0101", "9C": "00", "9F02": "000000001099", "9F03": "000000000000", "9F06": "010101010101", "9F07": "0101", "9F09": "0101", "9F10": "06011103A000000A0100000000000BB0ABAD", "9F1A": "826", "9F1E": "0123ABCD", "9F26": "D1F722D47FCA8273", "9F27": "40", "9F33": "E0B8C8", "9F34": "1E0300", "9F35": "12", "9F36": "0002", "9F37": "2A4E1690", "9F41": "0123", "9F53": "A", "9F6E": "0101" }, "expiry": { "month": "12", "year": "24" }, "fundingMethod": "DEBIT", "number": "555555xxxxxx4444", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2025-04-29T10:36:16.695Z", "timeOfRecord": "2025-04-29T10:36:16.149Z", "transaction": { "acquirer": { "batch": 20250430, "date": "0430", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "settlementDate": "2025-04-30", "timeZone": "+1000" }, "amount": 7.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "currency": "USD", "id": "AKS_225357069", "receipt": "511910101146", "source": "CARD_PRESENT", "stan": "101146", "terminal": "0002", "transit": { "knownFare": { "transportationMode": "TRAIN", "type": "FIRST_RIDE_RISK" } }, "type": "CAPTURE" }, "version": "100" }
Pay request
{ "apiOperation": "PAY", "order": { "amount": 100, "currency": "AUD" }, "sourceOfFunds": { "provided": { "card": { "expiry": { "month": "12", "year": "39" }, "number": "5555555555554444", "sequenceNumber": "099" } }, "type": "CARD" }, "transaction": { "source": "CARD_PRESENT", "transit": { "knownFare": { "type": "FARE_REAL_TIME_AUTHORIZATION" } } }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "location": "MERCHANT_TERMINAL_ON_PREMISES", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "panEntryMode": "CONTACTLESS", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "pinEntryCapability": "PIN_NOT_SUPPORTED", "serialNumber": "123456765" } }
Pay response
{ "authorizationResponse": { "commercialCard": "123", "commercialCardIndicator": "1", "date": "0610", "financialNetworkCode": "MCC", "posData": "1000000000300", "posEntryMode": "912", "processingCode": "003000", "responseCode": "00", "stan": "106213", "time": "102709", "transactionIdentifier": "026006127", "transactionIntegrityClass": "A1" }, "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "CYG_S2I_MER2", "order": { "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "chargeback": { "amount": 0, "currency": "AUD" }, "creationTime": "2025-06-10T10:27:08.647Z", "currency": "AUD", "id": "{{orderId}}", "lastUpdatedTime": "2025-06-10T10:27:09.083Z", "merchantAmount": 100.00, "merchantCategoryCode": "4111", "merchantCurrency": "AUD", "status": "CAPTURED", "totalAuthorizedAmount": 100.00, "totalCapturedAmount": 100.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00 }, "posTerminal": { "address": { "country": "AUS" }, "attended": "UNATTENDED", "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED", "inputCapability": "CONTACTLESS_CHIP", "lane": "street1", "location": "MERCHANT_TERMINAL_ON_PREMISES", "panEntryMode": "CONTACTLESS", "pinEntryCapability": "PIN_NOT_SUPPORTED", "serialNumber": "123456765" }, "response": { "acquirerCode": "00", "acquirerMessage": "Approved", "gatewayCode": "APPROVED", "gatewayRecommendation": "NO_ACTION" }, "result": "SUCCESS", "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "expiry": { "month": "12", "year": "39" }, "fundingMethod": "DEBIT", "number": "555555xxxxxx4444", "scheme": "MASTERCARD", "sequenceNumber": "099", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2025-06-10T10:27:09.083Z", "timeOfRecord": "2025-06-10T10:27:08.784Z", "transaction": { "acquirer": { "batch": 20250610, "date": "0610", "id": "CYG_TESTACQ_S2I", "merchantId": "9808", "settlementDate": "2025-06-10", "timeZone": "+1000", "transactionId": "026006127" }, "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "authorizationCode": "112233", "currency": "AUD", "id": "{{transaction_id}}", "receipt": "516110106213", "source": "CARD_PRESENT", "stan": "106213", "terminal": "0002", "type": "PAYMENT" }, "version": "100" }